Critical Illness

Critical Illness Benefit
The critical illness benefit will be payable if the insured person was diagnosed by a specialist with a covered critical illness or covered medical condition(s) as defined in the policy and survives for thirty (30) days following the date of diagnosis or such longer period as described in the policy. The diagnosis must be established after the policy date and while the policy is in force. The critical illness benefit is only payable once and the policy then terminates, regardless of the number of critical illnesses that may be diagnosed. Payment of the critical illness benefit will represent full and final discharge of all claims under the policy.

Available as a 10 year renewable rider or a stand alone to age 75 policy!

The policy provides coverage for 25 critical illness conditions and should be read in conjunction with the policy definitions and provisions.

1. Alzheimer’s disease
2. Aortic surgery
3. Aplastic anemia
4. Bacterial meningitis
5. Benign brain tumour
6. Blindness
7. Cancer (life-threatening)
8. Coma
9. Coronary artery by-pass surgery

10. Deafness
11. Heart attack
12. Heart valve replacement
13. Kidney failure
14. Loss of independent existence
15. Loss of limbs
16. Loss of speech
17. Major organ failure on waiting list

18. Major organ transplant
19. Motor neuron disease
20. Multiple sclerosis
21. Occupational HIV
22. Paralysis
23. Parkinson’s disease
24. Severe burns
25. Stroke

Who's at Risk?

Heart disease
* One in four Canadians has some form of heart disease
* 75,000 Canadians suffer heart attacks each year

Cancer
* More than 134,000 Canadians contract cancer each year
* Experts predict that the number of cancer cases will rise 70% by 2015

Alzheimer’s disease
*Over 80,000 Canadians are diagnosed with Alzheimer’s disease every year Eligibility
Issue Age (age last birthday): 18 to 60

Stroke
* 50,000 Canadians suffer a stroke each year 75% of stroke victims
survive the initial event

Multiple Sclerosis
* Every day three people in Canada are diagnosed with MS
* MS is the most common neurological disease among young Canadians